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Self Managed Super Fund

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How We
Can Help

You are ambitious and want to control your own superannuation fund. 

We can help you to

  • discover the alternatives to gain control of your super
  • find out the pros and cons of using a SMSF
  • setup your SMSF
  • setup investment strategies
  • administration / accounting
  • SMSF audit
  • implementations

helping you in the Pros and cons

Factors

Panbo-Ye
Esther

A SMSF Specialist Advisor is a professional advisor who has undertaken a program for SMSF professionals through SPAA and consists of examination, referee checks and CPD activity. Panbo Ye SSA, FCPA, AFP at your service. 

How can we help you today?

Ask a question and we will get back to you shortly.

Benefits of SMSF

Investment choice
SMSFs provide a range of investment options. Trustees can potentially access direct shares, high-yielding cash accounts, term deposits, income investments, direct property, unlisted assets, international markets, collectables and more.

Tax strategies
Like all super funds, SMSFs benefit from concessional tax rates. In the accumulation phase, tax on investment income is capped at 15 per cent; in the pension phase there is no tax payable, not even capital gains tax. Carefully considered tax strategies can help you grow your super savings and reduce tax payments as you transition to retirement.

Flexibility
SMSFs allow multiple members to run a mixture of accumulation and pension accounts. You’ll be able to adjust your investment mix as it suits you, allowing for a fast response to changes in market conditions, super rules or personal circumstances.

Transparency
SMSFs offer significant transparencies that allow trustees to align their personal goals with their investment decisions. Whether you’re passionate about property, shares or sustainable and ethical investing, SMSFs provide a platform which allows you to understand where your money is invested, with complete visibility over performance and tax treatment.

Things you need to know

Investing on your own can be risky.
All investments come with some level of risk. However, the more investment experience you have, the better you’ll be at managing this risk. You need to be confident in your ability to create and manage your SMSF investment strategy. If you’re not, you might be better off sticking with a regular super fund that manages these investments on your behalf.

SMSF regulation is constantly changing.
You might understand all the regulations and policies concerning SMSFs now, but these laws are constantly being tweaked. Something that was okay the previous year might not be okay the next; you need to stay up-to-date with the regulation each year to avoid being fined. Because these regulations are constantly evolving, it can be easy to get caught out.

An SMSF could end up costing you more.
An SMSF could end up being a lot more expensive to manage compared to the fees you’d pay in a standard super fund. There are set-up fees, annual reporting and auditing fees as well as ongoing admin and investment management fees to think about. Plus, if you decide to pay for professional investment advice and planning, you’ll be paying even more.

Did you know ...

  • There are cheaper and effective option than SMSF to manage your super.
  • SMSF is a great estate planning vehicle
  • You shall have $500k (combined) before considering start your own fund in general (ASIC 2020)
  • You can …

“I put my clients' best interest first!"

— Panbo Ye

plan of action

know your Goals

Do NOT trap yourself into selecting the best solution as there is no such thing. Each option is double edge sword and there are pros and cons. It is important to know your goals before discovering solutions with us. What your goals? Tips: pay less tax and earn more wealth are NOT goals, they are habits. 

01

Plan

Think about your goals and what you really need.  

02

Action

Stick to your plan but don’t be stubbon. Do it right.

03

Review

Review your plan, review the situation and adjust them accordingly.

you are not alone

our professional services Include:

Why choose us?

  • Fixed Fee Pricing
  • Tailored Plans
  • Your Best Interest
  • Local to You
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